I use Progressive. Their insurance premiums are broken down into categories which you can separately select. The categories typically include things like Bodily Injury & Property Damage Liability, Uninsured Boater, Medical Payments, Collision, Replacement Cost Personal Effects, Roadside Assistance.Rather than dropping the insurance completely, you can selectively remove categories that are not going to occur during the off-season. In my case, I keep the comprehensive insurance for damage just in case a tree falls on the boat during a storm, it catches fire or it gets stolen. But I drop some categories during the winter because they are simply not applicable. For example, the boat is not going to be damaged by an uninsured boater or my personal effects will not be stolen because I remove them. I drop Damage Liability because I will not cause damage to another person's boat. For the months my boat is out of the water I saved several hundred dollars on the premium versus paying for things you don't need for 6 months of the year. At the beginning of the season, you simply log into your account and reinstate the required insurance coverages. I definitely recommend checking out Progressive.
